MICRO BUSINESS : A NEW SOLUTION TO FINANCE YOUR INVOICES IN 1 MINUTE

The progressive rollout of e‑invoicing, which will be mandatory upon receipt for professionals from September 2026, reinforces this dynamic. By standardizing B2B invoicing flows, the reform will streamline data transmission and accelerate access to short‑term financing.

Société Générale Factoring and Defacto have developed a 100% online solution that transforms a B2B invoice into available cash in just a few minutes, with total transparency on costs.

Philippe POUGEARD, Deputy CEO of Société Générale Factoring, and Mathieu GALVANI, Head of Partnerships and Business Development at Defacto, explain the new short‑term financing solution designed for professionals and micro‑businesses: Avance Facture.

Why launch this solution now, and how does the partnership between SGF and Defacto offer an innovative answer to French micro‑businesses?

Philippe POUGEARD:In recent years, small businesses in France have seen a sharp increase in occasional cash‑flow needs. Payment terms are lengthening, invoicing cycles are becoming irregular, and micro‑businesses are looking for simple, immediate short‑term financing solutions.
Invoice‑based financing meets this reality by offering a simple, instant alternative to traditional factoring.

Mathieu GALVANI:This partnership combines SGF’s expertise in receivables financing with DEFACTO’s real‑time technology, enabling a fully digital experience, with eligibility in 1 minute and financing within 24 hours*.
The objectives are clear: eligibility in 1 minute, funding within 24 hours*, a simplified process, empowered clients, and a solution naturally integrated into the daily operations of French micro‑businesses.

“Avance Facture is extremely easy to access and remarkably smooth to use. It doesn’t require any training or prior advisor support, which I found very valuable.” Frédéric Larzinière, Negocom

Which types of businesses benefit the most from invoice‑based financing, and how does the solution differ from traditional factoring?

Philippe POUGEARD: The solution is aimed at Société Générale’s micro‑business clients operating in B2B. Unlike traditional factoring, it requires no commitment or management of the accounts receivable ledger: a single invoice is enough, and the client retains full control of the commercial relationship.
From their online banking portal, they upload their invoice, receive a response in under a minute, and get funds within 24 hours* via instant transfer.

“I found the offer particularly relevant for a business like ours. Traditional factoring usually targets companies with larger volumes.
It’s simple, fast and financially transparent. You can easily upload an invoice, finance it and select a due date based on the associated cost.” Frédéric Larzinière, Negocom

How does “no use = no fees” meet the expectations of small businesses?

Mathieu GALVANI:Companies only pay when they use the service. The absence of a subscription offers flexibility that is particularly suited to occasional or seasonal needs of micro‑businesses.

The offer also includes a guarantee: how does it protect clients in case the debtor defaults?

Philippe POUGEARD:Each financed invoice benefits from a guarantee covering the risk of non‑payment if the debtor defaults. In a context marked by rising business insolvencies, this protection secures our clients, who obtain immediate financing while staying protected. It enhances the solution’s simple, fast and commitment‑free approach.

How does your technology combine speed, seamless integration and high security standards?

Mathieu GALVANI:Our technology is based on several key components: an automatic analysis of 97 indicators in 27 seconds, invoice and debtor verification, and immediate fund availability once validated.
Our solution is integrated via API into Société Générale’s digital environment, ensuring a smooth, secure, fully online journey. As soon as an invoice is uploaded, our system automatically analyzes its content, eligibility and risk profile, then instantly returns a decision.
The client has almost no documents to provide. Once the company is identified via its SIREN number, our technology automatically retrieves the necessary data to assess eligibility.

We apply the highest standards of the banking industry: data encryption, GDPR compliance, PSD2‑compliant banking connection, ISO 27001‑certified infrastructure. Process automation reduces errors and ensures a reliable and transparent evaluation.

“The algorithm’s speed of validation is a real advantage. When you run a business, you can’t waste time on heavy procedures. Here, everything is smooth and efficient.” Frédéric Larzinière, Negocom

How do you ensure transparent pricing, and how does your scoring system work?

Philippe POUGEARD: The cost is fixed and displayed from the very first simulation: 0.05% per financed day, with no additional fees.

Mathieu GALVANI:Scoring, based on automatically retrieved financial data, ensures a fast and reliable assessment while maintaining risk control.

How does this launch represent a new step in your innovation strategy, and what feedback have you received so far?

Philippe POUGEARD:This solution fits perfectly within SGF’s digitalization strategy. It expands the short‑term offering for professionals and addresses their immediate cash‑flow needs. Early feedback emphasizes the speed, simplicity and seamless user experience.

“I would recommend Avance Facture for its fluidity, ease of use and time/benefit ratio. Implementation is fast, and the impact on cash flow is real and useful.” Frédéric Larzinière, Negocom

What developments are planned, and which segments do you intend to extend the solution to?

Philippe POUGEARD: The next steps include full integration with e‑invoicing, streamlining the process to allow faster and more reliable invoice data checks, facilitating automation and further accelerating access to financing. Combined with a digital solution such as that of SGF and Defacto, it will strengthen the fluidity and security of cash‑flow management.

How do you envision the future of short‑term financing in France and Europe?

Philippe POUGEARD:Invoice‑based financing is likely to become a reflex for small businesses: immediacy, transparency and integration into accounting tools will make it a standard.

Learn more about Avance Facture

* Availability of funds within 24 hours depending on banking conditions and processes.